Sr Mgr-Credit Underwriting

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Your Impact
The Senior Manager, Credit Underwriting leads the strategy, operations and execution of Lowe's Pro Supply, Trade Credit and Recourse Credit Underwriting programs. This position is responsible for managing a high performing team of credit underwriting managers and underwriters who evaluate and approve Pro customer credit requests, balancing growth and risk to achieve business goals. The role will partner closely with internal finance, sales, and risk functions as well as external financing partners to implement consistent credit policies, enhance decision quality, and maintain portfolio health. This leader serves as the enterprise subject matter expert on credit underwriting practices, ensuring alignment with Lowe's strategic objective to become the leading omnichannel home improvement retailer.

What You Will Do:

• Lead and develop a team of underwriters and collectors supporting Trade Credit and Recourse programs.
• Define and execute the overall credit underwriting and collections strategy, aligning with corporate objectives and Lowe’s risk appetite.
• Oversee end-to-end underwriting operations, ensuring quality, speed, and consistency in credit decisions across all programs.
• Establish and manage key performance metrics (SLAs, approval rates, loss ratios, DSO) to drive accountability and continuous improvement.
• Partner with Finance, Risk Management, Sales, Asset Protection, and Legal to align credit policy with business goals and regulatory standards.
• Serve as the primary liaison to external financial partners, ensuring accurate and timely credit decisioning and performance reporting.
• Review and approve high-value or complex credit applications, providing strategic judgment on structure, risk mitigation, and terms.
• Oversee the collections strategy, ensuring timely resolution, reduced delinquency, and strong customer relationships.
• Drive adoption of data-driven tools and automation to enhance underwriting precision and operational efficiency.
• Support program innovation by partnering with IT and analytics teams to enhance credit systems, dashboards, and forecasting models.
• Advise senior leadership on portfolio trends, emerging risks, and strategic opportunities to optimize profitability and mitigate exposure.
• Coach, mentor, and develop talent — fostering a collaborative, customer-centric culture focused on excellence and accountability.
• Ensure all credit and collections activities adhere to internal policies, audit requirements, and applicable regulatory standards.

Minimum Qualifications

• Bachelor’s degree in Business, Finance, Accounting, or related field (or equivalent experience).
• 10 years of commercial credit underwriting and/or risk management experience.
• 8 years of people leadership experience managing credit underwriting teams or managers.
• Proven ability to make and influence complex credit decisions using financial statement analysis and risk assessment tools.
• Demonstrated experience in collections strategy, operational performance management, and cross-functional collaboration.

Preferred Skills/Education

• Experience in lien-based lending, trade credit, or contractor credit programs.
• Familiarity with credit scoring systems, financial analytics platforms, and ERP integrations.
• Advanced NACM certification (CBA, CBF, or CCE) or equivalent professional designation.
• Demonstrated ability to lead large-scale process transformation and automation initiatives.
• Strong executive communication and presentation skills, with the ability to influence across levels.

About Lowe's

Lowe’s Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company serving approximately 16 million customer transactions a week, with total fiscal year 2024 sales of more than $83 billion. Lowe’s employs approximately 300,000 associates and operates over 1,700 home improvement stores, 530 branches and 130 distribution centers. Based in Mooresville, N.C., Lowe’s supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com

Lowe’s is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.